Fidela Insurance Advisory

Not Just Insurance. Guidance.

Fidela is an independent insurance advisory helping California and Texas families and businesses find the right coverage — and actually understand it. Real guidance from a broker who works for you, never the carrier.

Independent agency · Licensed in California & Texas · Access to multiple carriers

Golden-hour light on an elegant California family home framed by soft greenery

What we cover

Coverage for every part of your life

One advisor for your home, your family, and your business — so nothing important slips through the cracks. Tap any coverage to learn more.

For individuals & families

Personal Insurance

Protect your home, your vehicles, and the people who depend on you — with coverage sized to your life, not a template.

  • Covers your house and belongings against fire, theft, storms, and liability if someone is injured on your property.

  • Protects you on the road — liability, collision, and comprehensive coverage for your vehicles and drivers.

  • Provides a financial cushion for the people who depend on you, so they're taken care of no matter what.

  • Protects your personal belongings and adds liability coverage while you rent — without insuring the building itself.

  • Extra liability protection that sits above your home and auto limits for major, unexpected claims.

  • Covers rental properties you own — the dwelling, liability, and lost rental income if it becomes uninhabitable.

  • Tailored coverage for premium homes and possessions that standard homeowners policies can't fully protect.

  • Protects your boat, motor, and trailer, plus liability while you're out on the water.

  • Helps cover veterinary bills for accidents, illness, and routine care so cost never dictates your pet's treatment.

  • Liability, collision, and comprehensive coverage built for motorcycles, including custom parts and accessories.

  • Covers structural damage and losses from seismic events — a gap most standard home policies leave open.

  • Protects your home and contents from flood damage, which is specifically excluded from standard homeowners insurance.

For businesses

Commercial Insurance

From your first policy to a full program, we build commercial coverage that keeps your operation protected and compliant.

  • Covers third-party claims of bodily injury, property damage, and advertising harm arising from your business.

  • Protects your building, equipment, inventory, and furnishings against fire, theft, and other covered losses.

  • Pays medical costs and lost wages for employees injured on the job — required in most states.

  • Covers vehicles used for business, including liability and physical damage for cars, vans, and light trucks.

  • Bundles general liability and commercial property into one cost-effective package for small and mid-size businesses.

  • Protects against claims of negligence, errors, or omissions in the professional services you provide.

  • Helps you recover from data breaches and cyberattacks — covering response costs, liability, and lost income.

  • Adds an extra layer of liability protection above your primary commercial policies.

  • Specialized coverage for trucking operations — liability, cargo, physical damage, and motor carrier requirements.

  • Protects your business against employee claims of discrimination, harassment, or wrongful termination (EPLI).

The Fidela difference

An advisor in your corner

Independent, not captive

We're not tied to one company. We shop the market and represent you — so the recommendation is always about your best fit.

Multiple carriers, one review

We compare options across trusted carriers and bring you the coverage and price that actually make sense together.

Guidance through the fine print

Insurance is full of exclusions and limits. We translate the policy into plain language so you know exactly what you're buying.

Licensed in CA & Texas

A local, licensed advisor who answers the phone — accountable to you before, during, and long after the policy is bound.

A small-business owner welcoming a customer at their storefront in warm evening light

Who you work with

Personal service, real relationships

Fidela is a boutique advisory led by broker Ella Karapetyan. You get one point of contact who learns your situation, handles the carriers on your behalf, and stays with you at renewal and at claim time — not a call center that treats you like a policy number.

“Not just insurance. Guidance.”

How we work

Simple, guided, and on your side

We listen first

A short conversation about your home, family, or business — what you have, what you're worried about, and what you actually need.

We shop the market

We compare coverage and pricing across our carriers and bring you clear options, with the trade-offs explained in plain language.

You're covered — and it stays that way

We bind the right policy and review it as your life changes, so your coverage keeps up with you year after year.

Get started

Request your quote

Tell us a little about what you'd like to protect and we'll get back to you with options — no pressure, no jargon. Prefer to talk it through? Reach out directly.

Fidela Insurance Advisory LLC · CA License #4052049 · TX License #3316577